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Is uninsured motorist property damage necessary if I have comprehensive and collision coverage?
Wiki User
∙ 9y ago
Uninsured motorist property damage coverage is usually not required and sometimes is not offered at all in a particular state. If it is offered in your state you should consider purchasing it. One accident with an uninsured driver can leave you with significant bills to cover your property damage.
Wiki User
∙ 9y ago
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What is a description of the options available with auto insurance?
Options available with auto insurance are Liability, Medical coverage, Collision and comprehensive coverage, and Uninsured motorist coverage.SK(APEX)
What type of insurance will pay for damages if you are the victim of a hit and run?
Uninsured motorists coverage is the coverage that is designed to cover this type of accident. Collision will also cover it if you don't have uninsured motorists coverage on your policy but you may be charged with an accident on your policy. A-Plus answer Comprehensive Coverage.
When is a car comprehensively insured?
Comprehensive is a type of coverage you can add to an automobile policy. Comprehensive coverage is a physical damage coverage that includes damage to your vehicle that is not included in collision coverage. Collision coverage is damage done when you hit something or turn the vehicle over. Comprehensive includes fire, theft, vandalism, and animal collision. You can have comprehensive without collision but not collision without comprehensive.
Does auto insurance cover accidental fire damage?
The kind of coverage that would be necessary is called comprehensive coverage. It usually sold in conjunction with collision coverage.
What is purchased to protect owners against collision or theft?
Collision insurance coverage will protect your vehicle in the event you hit someone or are hit by an uninsured driver. Comprehensive coverage will protect you from theft, vandalism, etc. But always read the fine print to be sure.
You have collision insurance is uninsured motorist insurance necessary?
Collision insurance will cover the damages to your vehicle- no matter who is at fault. Uninsured coverage is used if the other vehicle is at fault for the accident and you and/or anyone in your car is injured. This coverage will typically pay for related medical bills, loss wages, and general damages (i.e pain and suffering). Liability = Other vehicle damage Injuries to driver/passenger in other vehicle Injuries to passengers in your vehicle if you are at fault Collision/Comprehensive = Cover damages to your car Uninsured/Under-insured = Injuries to you or your passengers when another vehicle is at fault and does not have insurance or has minimum coverage
What does waiver of collision deductible coverage in California for uninsured motorists coverage?
The California Collision Deductible Waiver (CDW) is coverage which waives your collision deductible if you are hit by a negligent uninsured motorist. The CDW option with a personal auto insurance policy in California pays your collision deductible when you carry collision coverage on a vehicle that is damaged by an uninsured or hit-and-run motorist who is at fault. Coverage typically applies only when there is actual physical contact and when you can identify the uninsured driver or vehicle. Some insurance companies will not even talk about the coverage even if it is included in your policy until you bring it to their attention.
Do you have to pay the deductible when your car is damaged by a hit and run driver if you don't have uninsured motorist coverage?
If you do not have an uninsured motorist property damage coverage, your collision might be used to pay for the repairs to your car, in which case your collision coverage deductible will be used.
Is it necessary to carry uninsured motorist coverage in Arizona?
It is not a mandatory coverage. However, you have no bodily injury coverage if you are injured by an uninsured motorist.
What happens if your car was involved in a hit and run while parked and unoccupied?
This would be paid from the comprehensive coverage on your policy. If you do not have this coverage, you will not get paid. Additionally, you should have called the local police and gotten a copy of the report. Comprehensive coverage has nothing to do with this type of dammage. If you had collision coverage at the time of the damage then call your claims department and file a claim. Your collision deductible would apply. If you didn't have collision coverage but did have uninsured motorist property damage then that may apply. if you didn't have either then you have a damaged car.
Would your car be covered if it is parked in your yard and is hit by an uninsured person under your full coverage?
If your "full" coverage includes Collision coverage then the answer is yes, or if you don't but do have Uninsured Motorist Property Damage coverage then the answer is also yes. I think some states have the UMPD listed seperately on the policy even if you have Collision coverage.
If I don't have collision insurance will insurance company fix my car?
It depends upon the type of damage and the cause of it; some physical damage is covered by the comprehensive coverage of an auto policy. For example, glass breakage and vandalism is normally covered by the comprehensive coverage. All of that said, collision and comprehensive coverages are generally offered and purchased in tandem. Therefore, if one does not have collision coverage, there is a good chance that there is no comprehensive coverage.
